Vienna Insurance Group AG, together with its subsidiaries, provides various insurance products and services. More Details
Very undervalued with excellent balance sheet.
Share Price & News
How has Vienna Insurance Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: Insufficient data to determine VIGV's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine VIGV's volatility change over the past year.
7 Day Return
1 Year Return
Return vs Industry: VIGV underperformed the UK Insurance industry which returned 38.5% over the past year.
Return vs Market: VIGV underperformed the UK Market which returned 24.4% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Vienna Insurance Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Vienna Insurance Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: VIGV (€22.65) is trading below our estimate of fair value (€40.81)
Significantly Below Fair Value: VIGV is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: VIGV is good value based on its PE Ratio (12.5x) compared to the GB Insurance industry average (15.2x).
PE vs Market: VIGV is good value based on its PE Ratio (12.5x) compared to the UK market (25.6x).
Price to Earnings Growth Ratio
PEG Ratio: VIGV is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: VIGV is good value based on its PB Ratio (0.6x) compared to the GB Insurance industry average (1.4x).
How is Vienna Insurance Group forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: VIGV's forecast earnings growth (21.6% per year) is above the savings rate (1%).
Earnings vs Market: VIGV's earnings (21.6% per year) are forecast to grow faster than the UK market (20.9% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: VIGV's revenue (0.7% per year) is forecast to grow slower than the UK market (6.4% per year).
High Growth Revenue: VIGV's revenue (0.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: VIGV's Return on Equity is forecast to be low in 3 years time (7.5%).
How has Vienna Insurance Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: VIGV has high quality earnings.
Growing Profit Margin: VIGV's current net profit margins (2.3%) are lower than last year (3.1%).
Past Earnings Growth Analysis
Earnings Trend: VIGV has become profitable over the past 5 years, growing earnings by 23.7% per year.
Accelerating Growth: VIGV's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: VIGV had negative earnings growth (-30.1%) over the past year, making it difficult to compare to the Insurance industry average (-13%).
Return on Equity
High ROE: VIGV's Return on Equity (4.6%) is considered low.
How is Vienna Insurance Group's financial position?
Financial Position Analysis
Short Term Liabilities: VIGV's short term assets (€5.1B) exceed its short term liabilities (€291.0M).
Long Term Liabilities: VIGV's short term assets (€5.1B) do not cover its long term liabilities (€44.9B).
Debt to Equity History and Analysis
Debt Level: VIGV's debt to equity ratio (23.6%) is considered satisfactory.
Reducing Debt: VIGV's debt to equity ratio has reduced from 35.4% to 23.6% over the past 5 years.
Debt Coverage: VIGV's debt is well covered by operating cash flow (65.3%).
Interest Coverage: VIGV's interest payments on its debt are well covered by EBIT (4.9x coverage).
What is Vienna Insurance Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: VIGV's dividend (3.32%) is higher than the bottom 25% of dividend payers in the UK market (1.39%).
High Dividend: VIGV's dividend (3.32%) is low compared to the top 25% of dividend payers in the UK market (4.24%).
Stability and Growth of Payments
Stable Dividend: VIGV's dividend payments have been volatile in the past 10 years.
Growing Dividend: VIGV's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (41.4%), VIGV's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: VIGV's dividends in 3 years are forecast to be well covered by earnings (39% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Elisabeth Stadler (59 yo)
Prof. Elisabeth Stadler serves as Chairwoman of the Supervisory Board at InterRisk Versicherungs-AG since July 1, 2018. Prof. Elisabeth Stadler serves as Chairwoman of the Supervisory Board at InterRisk Le...
CEO Compensation Analysis
Compensation vs Market: Elisabeth's total compensation ($USD1.72M) is about average for companies of similar size in the UK market ($USD1.78M).
Compensation vs Earnings: Elisabeth's compensation has been consistent with company performance over the past year.
Experienced Management: VIGV's management team is considered experienced (2.8 years average tenure).
Experienced Board: VIGV's board of directors are considered experienced (4.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Vienna Insurance Group AG's company bio, employee growth, exchange listings and data sources
- Name: Vienna Insurance Group AG
- Ticker: VIGV
- Exchange: BATS-CHIXE
- Founded: 1824
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: €2.944b
- Shares outstanding: 128.00m
- Website: https://www.vig.com
Number of Employees
- Vienna Insurance Group AG
- Schottenring 30
Vienna Insurance Group AG, together with its subsidiaries, provides various insurance products and services. The company offers life, health, and property and casualty insurance products. It also provides ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/04/10 17:46|
|End of Day Share Price||2021/03/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.